Hard Money Lender | Covina, CA
Rates from 8.99% and 1 point
Same-day Approvals, Funding in Days
No Appraisals (most scenarios)
No tax returns or pay stubs required
No minimum DSCR
No prepayment penalty (available)
No advanced lender fees
Up to 70% Loan-to-Value
Closings in as few as 7 days
Call us now at 818-638-9982 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.
COVINA, CA Hard Money Lenders
Covina, located in the San Gabriel Valley, offers investors a blend of affordability, strong rental demand, and stable long-term appreciation. With convenient access to the 10 and 210 freeways, a revitalizing downtown area, and consistent interest from both homeowners and investors, Covina continues to stand out as a reliable market for residential and commercial real estate opportunities.
When banks slow down the financing process due to strict credit requirements, tax documentation, or long underwriting timelines, a hard money lender like SDC Capital provides the speed and flexibility needed to compete in Covina’s fast-moving market.
We lend based on real estate equity—not income statements or perfect credit—so you can act quickly on opportunities throughout Covina.
What’s The Difference Between Private Money Lenders And Traditional Banks In cOVINA?
Traditional banks often require:
W-2s, tax returns, and extensive paperwork
High credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Rigid guidelines that don’t fit real-world investor scenarios
In Covina—where well-priced homes and mixed-use properties can attract multiple offers—waiting 30–60 days for bank approval can cost you the deal.
A private lender like SDC Capital focuses on:
Equity and property value, not credit score
Fast closings in as little as 7 days
No appraisal needed in most cases
Flexible ownership: LLCs, trusts, partnerships
Creative solutions for unique or time-sensitive situations
When banks delay, private money gives you the certainty and speed to move forward confidently.
Are Hard Money Loans Good For Residential Properties In cOVINA?
Yes. Covina’s residential market includes single-family homes, duplexes, small multifamily buildings, and rental properties—many in high-demand neighborhoods with strong commuter appeal. The city attracts renters and homeowners who work in Pasadena, Los Angeles, and the broader San Gabriel Valley.
We fund:
Purchases of single-family, multifamily, and rental properties
Bridge loans for buy-before-sell scenarios or 1031 exchanges
Properties held in trusts, estates, or LLCs
Fix & flip and value-add investment projects
Did you know?
Median home prices in Covina hover around $780,000, making it a more accessible option compared to many surrounding LA County cities while still offering solid appreciation potential.
Inventory remains competitive, especially near Downtown Covina, Covina Hills, and South Hills. Hard money financing allows investors to move quickly in these desirable areas.
Are Hard Money Loans Good For Commercial Properties In COVINA?
Absolutely. Covina’s commercial landscape includes retail centers, medical offices, mixed-use buildings, industrial properties, and local businesses that benefit from steady foot traffic and commuter activity.
We fund:
Retail and mixed-use commercial buildings
Industrial, warehouse, and flex properties
Transitional or partially vacant buildings
Owner-user and investor-held commercial real estate
When banks hesitate due to tenant mix, property condition, or nontraditional documentation, SDC Capital offers asset-based solutions designed to help you close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in cOVINA?
Yes. Covina has many older homes built from the 1950s–1980s that present excellent value-add opportunities. With modern updates, these properties can generate strong resale or rental returns.
Our fix & flip loans include:
Up to 70% of the purchase price (or ARV-based options)
Fast approvals and funding
Streamlined draw process for renovation budgets
No appraisal required in most cases
From upgrading family homes to repositioning rental properties, SDC Capital helps Covina investors complete renovations quickly and profitably.
Cash-Out Refinance Loans With a cOVINA Hard Money Lender: how it works
If you own property in Covina with significant equity, a hard money cash-out refinance allows you to access capital quickly—without the slow timelines of traditional refinancing.
Use your proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest obligations
Business expansion or purchasing additional properties
Partnership buyouts or estate settlements
We lend to individuals, LLCs, corporations, and trusts with flexible structures to fit your goals.
The Bottom Line
At SDC Capital, we’re more than a lender—we’re a financing partner dedicated to helping investors succeed across Los Angeles County. Our experience with Covina’s residential and commercial markets enables us to fund deals efficiently, competitively, and reliably.
Borrowers choose SDC Capital for:
Closings in 7–10 days
Direct access to decision-makers
Competitive rates and transparent terms
Flexible structures for unique scenarios
Deep California lending experience
From Covina to West Covina, Glendora, Azusa, San Dimas, and the greater San Gabriel Valley, SDC Capital provides the dependable hard money solutions investors need when banks fall short.
What is a Hard Money Loan In cOVINA?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not credit or tax returns.
These loans are ideal for:
Investors and fix & flippers
Homeowners needing bridge financing
Business owners seeking quick capital
Borrowers with urgent, complex, or nontraditional situations
When speed matters, SDC Capital—your Covina hard money lender—helps you close quickly and confidently.
Hard Money Lenders in cOVINA
Looking for quick and flexible financing in California? Our hard money loan options are tailored for real estate investors who need fast access to capital. We provide reliable funding solutions across the state, ensuring you can close your deals without delays.
Explore our lending options in prominent California locations: